Median net worth of U.S. homeowner households
Median net worth of renter households. Nearly 40 times less.
Down payment generally required with your VA benefit, and no monthly mortgage insurance
Source: Federal Reserve, 2022 Survey of Consumer Finances, national medians. Not a forecast or a promise. Ownership does not guarantee appreciation.
Four ways to turn your benefit into lasting wealth.
Each one is covered in the guide in plain language, with the steps and the questions to ask so you get full value from what you earned.
Keep your cash working
Zero down can keep tens of thousands of dollars in your hands. See where that money can go to build your next asset, and how to buy a home built to hold its value.
Keep more of what you earned
The VA funding fee can be $7,525 on a $350,000 home, and veterans with VA disability compensation are exempt. Add Texas property tax exemptions and a state veteran home loan program.
Buy to build, and house hack
Choose the home that protects your value. Then see how a two to four unit property lets tenants help carry your payment while you live in one unit.
Grow it, then pass it on
Your benefit is for life. Keep a home as a rental, restore your entitlement, refinance when it makes sense, and set your family up to keep what you built.
No lender fees for those who serve.
Through Jaime Dejesus and CMG Home Loans, eligible veterans and active duty service members can get a mortgage with no lender fees. More money for your down payment, and a transparent process. Thank you for your service and sacrifice.
Grab your free guideZero for Heroes is a CMG Home Loans program for eligible borrowers in qualifying occupations. It waives CMG lender fees only. Third party fees such as appraisal, title, insurance and the VA funding fee, where it applies, are not included. Program terms and eligibility are subject to change. Ask Jaime for details. Not a commitment to lend.
Zero down keeps your money working for you.
Most buyers hear that they need twenty percent down. With your VA benefit, you can skip that step. Here is the cash you can keep on a $350,000 home, to build reserves, improve the home or save for your next property.
An illustration, not a quote or an offer. VA funding fee rates are set by the VA and can change. Your lender will confirm your exact numbers.
| VA funding fee, zero down | Amount |
|---|---|
| First use | $7,525 |
| After first use | $11,550 |
| Exempt, for example with VA disability compensation | $0 |
Build wealth with the home that fits your plan.
Zero down is only the start. Here is what you can buy with the benefit you earned.
Resale home
Established neighborhoods, mature trees and room to negotiate.
New construction
Choice, builder incentives and a brand new home built to your plan. Bring your own representation to the first visit.
Townhome
Lower maintenance and a strong entry point in the heart of the metroplex.
Two to four units
Live in one unit, rent the others, and let your tenants help carry the payment. The VA requires you to occupy one unit.
One benefit. Five steps. A legacy.
This is the plan Jaime and Brandon walk through with every veteran.
Use your benefit
Buy with zero down and no monthly mortgage insurance, and keep your savings working.
Keep more
Confirm your funding fee exemption, use seller help, and claim your Texas veteran benefits.
Build equity
Buy what the next person wants, below your approval, or house hack a two to four unit home.
Grow
Keep your first home as a rental, restore your entitlement, and buy again.
Pass it on
Protect your spouse, put it in writing with an attorney, and teach the next generation.
Loan terms are stated generally. Eligibility, fees and pricing are set by the VA and each lender and change over time. Not a commitment to lend. Rental income and appreciation are not guaranteed.
Get the full plan in the guideWhether you are buying or selling, we go beyond the basics.
Most agents and lenders only know the standard zero down VA loan. We help you find every benefit you have earned, and use them together.
Every benefit, one plan.
Sell on your terms.
Texas programs have their own rules, limits and funding, and follow Texas rules rather than the national VA program. Availability, rates and eligibility change over time.
A Realtor and a Marine veteran lender, working one plan.
You get a straight answer on both halves of the purchase. Jaime structures the financing. Brandon finds the home and wins it. Neither of us needs you to decide today.
Hi, I'm Brandon Yates.
Yates Realty Group · Dallas Fort Worth and Houston
My mission is helping you build generational wealth through real estate. I start every buyer with the same questions: your income, your debt, your timeline and your financing, before we ever look at a home.
Meet Jaime Dejesus.
CMG Home Loans · NMLS #1280113
Jaime has spent more than 25 years helping families reach homeownership. He holds a master's degree in economics from New York University and is passionate about helping veterans, active duty service members and military families get the most from their VA benefit.
Ask Jaime about HomeFundIt, which lets friends and family contribute toward your down payment and eligible closing costs, and the All In One loan, designed to accelerate equity growth. Availability and eligibility vary. View Jaime's profile and reviews
Jaime confirms your eligibility, your funding fee exemption and your entitlement.
Brandon builds your search around your commute, your budget and your plan for the next move.
Together we write an offer sellers take seriously, and carry it to the closing table.
DFW and Houston
Why choose Brandon?
Helping you build generational wealth through real estate, with personalized service and local expertise every step of the way.
How I can help
- Buyers
Find the right home and win it with strong negotiation.
- Sellers
Strategic pricing and marketing that gets you top dollar.
- First Time Homebuyers
Clear guidance from your first showing to closing day.
- Healthcare Professionals
A buying process built around demanding schedules.
- Military and Veterans
VA loan expertise and PCS moves made simple.
- Relocation
A smooth landing in DFW or Greater Houston.
- Investors
Properties that build long term wealth.
- Probate
Compassionate help settling estate property.
- Divorce
Sensitive, neutral guidance through a home sale.
- Distressed Properties
Real options and support when times are tough.
- Commercial
The right space to grow your business.
- New Construction
Your advocate with the builder, from lot to walkthrough.
Brandon Yates, Realtor, TX License #728780. Proud member of Alpha Phi Alpha Fraternity, Inc. Yates Realty Group brokered by Refind Realty. Equal Housing Opportunity.